Comments on: Pa Health Insurance

By: dolphinchic1981

dolphinchic1981 — Sat, 04 Jul 2009 08:25:52 +0000

There’s not really such a thing as insurance for pre-existing conditions, but the good news is that it’s much easier to find help these days. Your best chance is to join a group health plan, such as one you get through work. If you were under a group health plan, you should be protected under the Health Insurance Portability and Accountability Act (HIPAA) in this circumstance. Under HIPPA, you should be able to credit the time you were covered under the old group plan against the waiting period of the new group plan – as long as you haven’t gone more than 63 days without coverage. Call your old health plan and get them to send you your certificate of creditable coverage. You might also want to call the Pennsylvania Department of Insurance (link below).

If you haven’t been treated for your condition, you may not have as much difficulty finding affordable health insurance as you might think. Even if something is wrong, your health problem may not be one of the conditions that they exclude coverage for at the beginning of a health plan.

You might also try support organizations for your condition. Needy Meds (link below) is a clearinghouse for such organizations.

If you can’t find employment with group health insurance, then your best bet is to talk with Pennsylvania-licensed health insurance agents. Talk with more than one because that will give you a better perspective on your choices. It also encourages a little healthy competition for your business. Check out MostChoice.com. I work there and their system is simple. You fill out a short form and review online quotes from health plans in your area. Then, within two days, locally licensed agents contact you to talk about your health care needs and what you’d like to pay for insurance. You just wait until one of the agents delivers a health plan you like. There’s no cost or obligation to buy insurance, and your personal information is used only to match you with local health plans and agents.

You can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm

Hope this helps,

Barnes @ MostChoice

By: Duminos

Duminos — Fri, 03 Jul 2009 23:46:47 +0000

If you can take advantage of this program, go ahead. Look at all these welform people living off the gov't for years. It is not the people it is the system. They should put stoppers in their program to stop misuse.

By: junglejoe

junglejoe — Fri, 03 Jul 2009 22:41:19 +0000

Rendell is a blithering idiot. He ruined Philadelphia as mayor. The state had to take over the school district down there because he gave more money to teachers for doing less work. The kids could pass a simple test.

He promised tax breaks for everyone when he legalized gambling. I have yet to see one. He is the epitome of everything wrong with the democratic party. Tax and spend, tax and spend.

It is no wonder he is giving state taxpayer funded health care to people who truly do not need it.

Way to go voters of PA. You put this jerk in for another four years.

By: Gerald T

Gerald T — Fri, 03 Jul 2009 12:20:40 +0000

There are about 88 choices on eHealthInsurance. It really depends
on your individual pre existing conditions and how low you want
your co-pay to be. Another low cost option for you
is to supplement your insurance with my Simple Card
which would most likely accept you with preexisting conditions.

By: jmetwin2

jmetwin2 — Thu, 02 Jul 2009 23:43:18 +0000

Yes, the facility will bill under the doctors name.

By: Nicole A

Nicole A — Thu, 02 Jul 2009 02:16:14 +0000

Getting your BMI down is the only advice that a good friend would give.

You can also try getting a quote at
http://www.simplyinsurancequotes.com/insuranceagents-health.php?=idnth

By: dana p

dana p — Thu, 02 Jul 2009 02:07:21 +0000

Not unless your divorce/support/custody agreement says so.
The law does not require it.

Once your son is 18, he's an adult.
You can't have it both ways.

By: Moon

Moon — Wed, 01 Jul 2009 15:01:02 +0000

By: adriannamarie19

adriannamarie19 — Wed, 01 Jul 2009 14:39:37 +0000

You need to visit a local independent agent that works with all the major companies. The agent can work with you to find the best plan for your situation and budget.

You said you have medical issues. Depending upon what those issues are you may have a problem finding a company that will accept you. If they do, there will be waivers, riders, or waiting periods before the company will cover those issues. This is why you need an agent. The agent can talk with the underwriters from the different companies to find out what the possible underwriting decision may be.

There is no one best health insurance company. The best company for you is the company you want to go with. Nobody here can tell you which company is best for you because we don't know you or your health issues.